| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MILNE3 | 187 CARRIAGE HILL CIR MANTUA, NJ 08051 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.92% |
| BARRY M SCOFF3 Filed as: BARRY SCOFF | 82 SAND HILLS RD KENDALL PARK, NJ 08824 | AFLAC | $207 | $83 | $290 | 6.30% |
| KAREN FINGER3 | 102 MARBURY CT MEDFORD, NJ 08055 | AFLAC | $70 | $0 | $70 | 1.52% |
| CHARMAINE WHITE JACKSON3 | 1 GABRIELLE CIR SWEDESBORO, NJ 08085 | AFLAC | $43 | $0 | $43 | 0.93% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA SAUNDERS | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $26 | $11 | $37 | 0.80% |
| ROBERT BRENTARI3 | 2 PRINCESS RD LAWRENCEVILLE, NJ 08648 | AFLAC | $22 | $0 | $22 | 0.48% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $9 | $5 | $14 | 0.30% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $9 | $0 | $9 | 0.20% |
| NANCY M ANDERSON3 Filed as: NANCY ANDERSON | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $1 | $0 | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $36K |
| JPM BENEFITS SERVICES EIN 81-3908905 BROKER | Insurance agents and brokers Service code 22 | — | $30K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $8K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $77K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $77K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $77K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $77K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $77K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 60 | $189K |
| Other | AFLAC | 10 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.